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1. What is this product about? This Policy provides compensation and reimbursement for people travelling overseas for business or leisure in the event of injuries, disability, or death cause solely by Accident during the Trip. This Policy also reimburses the expenses incurred as a result of travel inconveniences during the Trip.

2. Who is eligible for this Cover?

All Malaysians, permanent residents of Malaysia and/or holder of Malaysian Employment Pass and/or Work Permit (which shall include his/her dependant(s) residing in Malaysia) who are above the age of 30 days but below 70 years.

3. Who can apply for Cover under this Policy? Malaysians above the age of 18 and business entities duly registered in Malaysia (if Policy is purchased for employees of the business entity)

4. What are the covers / benefits provided?

This Policy covers: PERSONAL ACCIDENT CHILD EDUCATION FUND MEDICAL EXPENSES ALTERNATIVE MEDICINE TREATMENT COMPASSIONATE VISITATION BENEFIT

(DUE TO HOSPITALISATION OF INSURED PERSON / DEATH OF INSURED PERSON)

CHILD CARE BENEFIT FOLLOW-UP MEDICAL TREATMENT IN MALAYSIA HOSPITAL ALLOWANCE QUARANTINED COVER AS A RESULT OF PANDEMIC

INFLUENZA EMERGENCY MEDICAL EVACUATION EMERGENCY MEDICAL REPATRIATION REPATRIATION OF MORTAL REMAINS BAGGAGE AND PERSONAL EFFECTS

TRAVEL DELAY LOSS OF DEPOSIT OR CANCELLATION TRAVEL CURTAILMENT TRAVEL OVERBOOKED TRAVEL MISCONNECTION HIJACKING INCONVENIENCE MISSED DEPARTURE TRAVEL RE-ROUTE LOSS OF DEPOSIT OR FULL PAYMENT DUE TO

INSOLVENCY OF AIRLINES LOSS OF CREDIT CARD PERSONAL LIABILITY HOME CARE BENEFIT RENTAL CAR EXCESS COVER RANSOM PAYMENT AS A RESULT OF KIDNAPPING

& HOSTAGE

1. Read this Product Disclosure Sheet before you decide to take out the SmartTraveller Annual Insurance Policy. Be sure to also read through the general terms and conditions.

2. You are advised to note the Table of Benefits for Death and Disablement in your insurance policy. You must nominate a nominee and ensure that your nominee is aware of the policy that you have purchased. You should read and understand the insurance policy and discuss with the agent or contact us directly for more information.

3. Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance wholly for

purposes unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you apply for this insurance). You must answer the questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us. In addition to answering the questions in the Proposal Form (or when you apply for this insurance), you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.

SmartTraveller AnnualProduct Disclosure Sheet

Important Note

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PERSONAL MONEY AND DOCUMENTS BAGGAGE DELAY

REPLACEMENT TRAVELLER GOLF EQUIPMENT COVER

Immediate access to AXA Travel Assistance Hotline in case of an emergency situation when You are abroad (reverse charge call rates are applicable) Duration of Cover is for 1 year. There is no limit on the number of Trips during the Period of Insurance but subject to the maximum of 95 days for each Trip. You need to renew Your Cover annually.

5. What is the Premium amount for the Cover?

The Premium You have to pay may vary depending on the Plan that You select, Your travel destination and Our underwriting requirements: Example Frequent traveller to Indonesia, Thailand and Hong Kong (Area 1) - for Platinum Plan, the estimated annual gross premium including agents commission but excluding stamp duty is RM290.00

6. What are the fees and charges that I have to pay? i. Commission to the insurance agent (if any) 25%

7. What are the key terms and conditions that the Policyholder should be aware of?

Duty of disclosure - You must disclose all material facts which You know or ought to know such as Your personal information which could affect the risk profile. You must ensure that the proposal form is completed accurately as it forms the basis of the insurance contract.

Premium warranty - Full Premium must be paid to Us or Our authorized agent within 60 days from the inception date of the Cover.

Age limit - You must not be above 70 years or below 30 days of age. Claims - If an Accident occurs which gives rise to a claim, You shall notify Us within 45 days of the Accident. All

supporting documents proving the loss must be submitted 45 days from the date of Your return to Malaysia.

Note: The list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this Policy.

8. What are the major exclusions under this Policy? This Policy does not cover the following: Pre-existing Medical Condition War, act of foreign enemy, radiation or contamination by radioactivity Acquired Immune Deficient Syndrome (AIDS), Human Immune Deficiency Virus (HIV) Suicide or self-inflicted injury, pregnancy Professional or hazardous sports, racing If You are a member of the aircraft crew Under the influence of alcohol or drug, mental insanity The consequential loss or damage of any kind Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this Policy.

9. Can the Policy be cancelled?

You may cancel the Policy by giving Us 7 days written notice and refund of Premium is subject to the terms and conditions stipulated in the Policy.

10. What needs to be done in the event of changes to contact / personal details?

It is important that You inform Us of any change in Your personal profile including personal information which would affect the risk profile.

For enquiries and information on other products, refer to Our website at www.axa.com.my or contact Us at: Customer Service Centre AXA Affin General Insurance Berhad (23820-W) Ground Floor, Wisma Boustead, 71 Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia Tel: (603) 2170 8282 Fax: (603) 2031 7282 E-Mail: customer.service@axa.com.my Website: www.axa.com.my

Authorized agent:

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1. Apakah produk ini? Polisi ini membayar pampasan dan gantirugi berhubung dengan peristiwa yang berlaku semasa perjalanan anda ke luar negara samada untuk tujuan perniagaan ataupun untuk tujuan makan angin. Polisi ini menyediakan perlindungan kepada anda bagi kecederaan anggota badan, hilang upaya atau berlaku kematian disebabkan oleh kemalangan yang berlaku semasa perjalanan anda itu, polisi ini juga akan membayar gantirugi keatas segala perbelanjaan yang digunapakai.

2. Siapakah yang layak untuk perlindungan ini? Semua Warganegara Malaysia, Permastautin Tetap Malaysia dan / atau Pemegang Pas Kerja Malaysia dan / atau Permit Kerja (termasuk tanggungan mereka yang menetap di Malaysia) yang berumur 30 hari ke atas tetapi di bawah umur 70 tahun.

3. Siapakah yang boleh memohon perlindungan di bawah Polisi ini? Warganegara Malaysia yang berumur 18 tahun ke atas dan entiti perniagaan yang didaftarkan dengan sewajarnya di Malaysia (jika polisi dibeli untuk pekerja entiti perniagaan)

4. Apakah perlindungan yang diberikan? Produk ini melindungi : KEMALANGAN DIRI DANA PENDIDIKAN ANAK ANAK PERBELANJAAN PERUBATAN MANFAAT PENJAGAAN SIMPATI (KERANA PIHAK

DIINSURANSKAN DIMASUKKAN KE DALAM HOSPITAL/KEMATIAN PIHAK DIINSURANSKAN)

PERUBATAN ALTERNATIF MANFAAT PENJAGAAN SIMPATI (KERANA

KEMATIAN PIHAK DIINSURANSKAN) MANFAAT PENJAGAAN KANAK-KANAK RAWATAN LANJUTAN DI MALAYSIA ELAUN HOSPITAL PERLINDUNGAN KUARANTIN DISEBABKAN

SELSEMA PANDEMIK PEMINDAHAN PERUBATAN KECEMASAN PENGHANTARAN BALIK KECEMASAN

PENYELENGGARAAN JENAZAH BAGASI DAN BARANG PERIBADI WANG PERIBADI / DOKUMEN KELEWATAN BAGASI KELEWATAN PERJALANAN PEMBATALAN AKIBAT KELEWATAN PEMENDEKAN PERJALANAN PERJALANAN TERLEBIH TEMPAHAN KEGAGALAN MENYAMBUNG PERJALANAN RAMPASAN PESAWAT/ KENDERAAN KEGAGALAN UNTUK BERLEPAS LALUAN PERJALANAN DIUBAH KEHILANGAN DEPOSIT ATAU BAYARAN PENUH

DISEBABKAN SYARIKAT PENERBANGAN INSOLVEN

KEHILANGAN KAD KREDIT

1. Sila baca Lembaran Pendedahan produk ini sebelum anda membuat keputusan untuk membeli Insurans SmartTraveller Annual. Pastikan juga anda telah membaca terma-terma dan syarat-syarat am.

2. Anda hendaklah membaca dan memahami polisi insurans dan berbincang dengan pengantara insurans anda atau hubungi terus kami untuk keterangan lanjut.

3. Menurut Perenggan 5 daripada Jadual 9 Akta Perkhidmatan Kewangan 2013, jika anda memohon insurans ini sepenuhnya untuk tujuan yang tidak berkaitan perdagangan, perniagaan atau profesion anda, anda mempunyai kewajipan untuk mengambil langkah yang munasabah untuk tidak salah nyata dalam menjawab soalan-soalan dalam Borang Cadangan (atau semasa permohonan insurans ini). Anda dikehendaki menjawab soalan-soalan dalam Borang Cadangan dengan lengkap dan tepat.